Retirement and Estate Planning

Financial Freedom: The Ultimate Goal!

Maybe you want to golf or fish everyday. Maybe you want to start your own business. Spend more time with your grandkids. Everyone dreams of what they will do with their newfound freedom once they no longer need to work for a living.

Financial freedom means having the financial resources to make your own choices, without worrying about the need for a regular paycheck. It means being prepared to accept an early retirement offer. It means being able to quit your 9-5 job to start the business you've always dreamed of. It means working if you want to work, playing if you want to play. No fears of layoffs. No financial stress.

We can help you plan your own financial freedom. How soon do you want to achieve it? How much will you need to save? How fast must your money grow to meet your goal? How can you invest for growth without taking on to much risk? What about home equity? Roth IRA /401k or regular? Self employed? We are small company experts. We can show you the best way to setup your own tax advantaged "freedom" account.

401k Plans

Many employees complain that they receive little or no advice regarding their 401k / 403b plans through their employers. We can help. Our hourly fee services are ideally suited to reviewing your 401k statement and advising on investment strategies. If you have plans from previous employers, we can help you rollover those funds into an account which offers you increased control and improved investment options.

Early Retirement

We often help employees decide whether or not they are financially prepared to retire. This can be a complicated decision impacting many facets of your life - not just finances. Investment strategies need to change, as you will now need to provide both current income as well as growth for future years. We help you design an investment strategy that meets both goals.

Medicare / Long term care

Long term care insurance is often advisable by the time you reach retirement age. We can help you decide how much coverage you need, and pick through the many options. We do not sell insurance, rather, we help you choose the best policy options as part of your overall financial plan. We can hook you up with agents who can write the policy you need.

Medicare prescription drug coverage has created a whole new layer of complexity to the finances of retirement. We can help you sort through all the options, and pick the drug plan that is best for you.

Estate issues

We can help seniors plan strategies which will reduce their estate and gift tax liability as they plan to distribute assets to their heirs. We can determine if various trust, gifting, or insurance strategies might help ensure that your heirs keep the bulk of your estate - rather than the federal and state government. We will consult with your estate attorney as needed to explore all the possibilities.